Cheapest Car Insurance In Houston, TX 2024
With a monthly average rate of $36, Texas Farm Bureau is the most affordable provider of minimum coverage car insurance in Houston.
We’ve saved shoppers an average of $600 per year on their car insurance.
Searching for low-priced car insurance in Houston, TX, often reveals a wide spectrum of cost variations.
Texas Farm Bureau emerges as the top pick for drivers needing cheap liability-only insurance. When it comes to full coverage, State farm provides the lowest rates, and young drivers will find Texas Farm Bureau once again most affordable.
Cheapest Car Insurance Companies In Houston, TX
Cheapest Liability-only Car Insurance In Houston: Texas Farm Bureau
At an average of $36 per month, Texas Farm Bureau offers the lowest cost for minimum coverage car insurance in Houston.
Refer to the following table to see how rates stack up across various insurers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $36 | $432 |
| State Farm | $49 | $588 |
| Progressive | $65 | $780 |
| Allstate | $84 | $1,008 |
| AAA Texas | $72 | $864 |
Cheapest Full Coverage Insurance Rates In Houston: State Farm
State Farm is the top choice for affordable full coverage car insurance in Houston, with rates averaging $107 per month.
This table compares average auto insurance quotes from reasonably priced insurers in Houston.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $107 | $1,284 |
| Progressive | $128 | $1,536 |
| Allstate | $157 | $1,884 |
| GEICO | $171 | $2,052 |
| Chubb | $176 | $2,112 |
Cheapest Rates In Houston For Teenagers: State Farm
At $208 per month on average, State Farm provides the cheapest quotes for teenage drivers in Houston.
Check out the table below for insurance companies with the most affordable rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $208 | $2,496 |
| Texas Farm Bureau | $224 | $2,688 |
| Safeco | $230 | $2,760 |
| Nationwide | $218 | $2,616 |
| GEICO | $271 | $3,252 |
Cheapest Car Insurance Rates For Seniors: Texas Farm Bureau
Texas Farm Bureau provides seniors in Houston with the lowest average car insurance rate of $32 per month.
Average quotes from the cheapest auto insurance providers for seniors are shown in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $32 | $384 |
| State Farm | $46 | $552 |
| Allstate | $86 | $1,032 |
| Mercury | $57 | $684 |
| Progressive | $69 | $828 |
Cheapest Car Insurance In Houston For Good Drivers: Texas Farm Bureau
The best rates for good drivers in Houston are from Texas Farm Bureau, with monthly premiums averaging $36.
If you’re a good driver, the table below compares average quotes from the most affordable insurers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $36 | $432 |
| State Farm | $49 | $588 |
| Progressive | $65 | $780 |
| Allstate | $84 | $1,008 |
| AAA Texas | $72 | $864 |
Cheapest Auto Insurance For Young Adults in Houston: Texas Farm Bureau
Texas Farm Bureau stands out as the most affordable option for young adults in Houston, with average monthly rates of $46.
The table below highlights the most affordable auto insurance options for young adults in Houston.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $46 | $552 |
| State Farm | $58 | $696 |
| Progressive | $74 | $888 |
| GEICO | $107 | $1,284 |
| Allstate | $102 | $1,224 |
Find affordable Houston rates
Cheapest Car Insurance In Houston After A Speeding Ticket: Texas Farm Bureau
Texas Farm Bureau offers one of the cheapest rates in Houston, with average monthly premiums of $37 for drivers who have a speeding ticket.
Check the table below for average car insurance quotes for drivers who have a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $37 | $444 |
| Mercury | $73 | $876 |
| State Farm | $51 | $612 |
| Allstate | $82 | $984 |
| Progressive | $78 | $936 |
Cheapest Rates In Houston For Drivers After A DUI: Mercury
For drivers with a DUI in Houston, Mercury offers the most budget-friendly rates, averaging $69 monthly.
The table below provides a comparison of the cheapest rates for Houston drivers with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| Mercury | $69 | $828 |
| National General | $75 | $900 |
| Texas Farm Bureau | $86 | $1,032 |
| State Farm | $95 | $1,140 |
| AAA Texas | $112 | $1,344 |
Cheapest For Drivers With After At-Fault Accident: Texas Farm Bureau
Texas Farm Bureau delivers the most budget-friendly car insurance for drivers with an at-fault accident, at $62 a month on average.
These are the insurance companies offering the best rates for drivers with an at-fault accident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $62 | $744 |
| National General | $98 | $1,176 |
| State Farm | $64 | $768 |
| Allstate | $140 | $1,680 |
| Chubb | $149 | $1,788 |
Best Car Insurance Companies In Houston
Houston drivers can find budget-friendly insurance from Texas Farm Bureau at $36 a month. State Farm comes in slightly higher at $49, and Progressive at $65 per month.
The top 10 car insurance companies in Houston, TX, are shown below, ranked by their average monthly cost.
| Company | Monthly Premium |
| Texas Farm Bureau | $36 |
| State Farm | $49 |
| Progressive | $65 |
| Allstate | $84 |
| AAA Texas | $72 |
| Mercury | $190 |
| National General | $58 |
| Nationwide | $180 |
| Safe Auto | $161 |
| Kemper | $77 |
| Direct Auto | $84 |
Average Cost Of Auto Insurance In Houston – By Zip Code
Insurers factor in crime rates based on zip codes, which leads to varying car insurance premiums across different areas.
The table below outlines average insurance costs for different zip codes in Houston.
| Zip Code | Average Monthly Rate |
| 77049 | $204 |
| 77029 | $172 |
| 77044 | $235 |
| 77006 | $187 |
| 77057 | $170 |
Average Auto Insurance Rates In Houston – By Age
When calculating car insurance rates, age is a major consideration. Younger drivers, who are statistically more likely to have accidents, generally face higher premiums. Teen drivers typically pay around $5,305 per year.
Once drivers reach the age of 25, their premiums typically drop, assuming they continue to drive safely without any violations.
Drivers in their 50s and early 60s often benefit from the lowest insurance rates. Age is a measure insurers use to determine experience and risk, influencing the price of premiums.
| Age | Average Yearly Rate |
| Teenagers | $5,305 |
| 20s | $3,204 |
| 30s | $2,052 |
| 40s | $2,064 |
| 50s | $1,885 |
| 60s | $1,770 |
| 70s | $1,968 |
How Much Is Car Insurance In Other Cities In Texas?
Your place of residence heavily impacts your car insurance rates. Insurance companies consider factors such as accident risk, theft, and vandalism, which are generally more frequent in urban areas and result in higher premiums.
An example of this difference is that Baytown drivers pay roughly $170 per month for car insurance, compared to $130 per month for those in Alpine.
| City | Average Monthly Rate |
| Killeen | $138 |
| Sherman | $140 |
| Beaumont | $167 |
| Arlington | $164 |
| Laredo | $160 |
| Abilene | $142 |
| Fort Worth | $158 |
| Baytown | $170 |
| El Paso | $150 |
| Alpine | $130 |
Average Rates In Houston – By Vehicle
The car you own greatly influences your insurance rates. Factors like the make, model, year, and body type are taken into account. Newer luxury vehicles with advanced technology are usually more expensive to insure.
Below, you’ll find average car insurance rates in Houston for different vehicles.
| Vehicle | Average Monthly Rate |
| Ford Escape | $349 |
| Lexus ES | $430 |
| Chevrolet Malibu | $382 |
| Buick Encore | $390 |
| Subaru Outback | $240 |
Find affordable Houston rates
Our Methodology
Drawing from a thorough review that includes customer service, pricing, product options, and a variety of online feedback, I’ve compiled an in-depth analysis of car insurance providers in Houston, TX.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Houston?
For minimum coverage in Houston, Texas Farm Bureau offers the best rates, while State Farm stands out for full coverage, including both comprehensive and collision coverage.
What is the average cost of car insurance in Houston?
Car insurance in Houston averages $190 a month, but rates can vary based on your zip code, vehicle model, and driving record.
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